Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$16,994Cash toward the purchase price.
Closing costs + prepaids$9,365Not just lender fees.
Before credits & paid funds$26,359The complete starting cash picture.
Estimated remaining funds due at closing
$26,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,994.01
Your down payment$16,994.01
Closing costs + prepaids$9,364.88
Total buyer cash needed$26,358.89
Remaining funds due$26,358.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$100.50
Initial HOA (3 months)$813.00
Prepaid interest, first (2 days)$76.38
Fees + prepaids$9,364.88
Your down payment is the seller’s equity. You take over the $198,006 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $26,358.89 is due at closing. Uses and sources reconcile at $224,364.88 each. Not a Closing Disclosure.